There's more disquieting news today for the DIY crowd.

Nearly two-thirds, 63 percent, of American workers choose the do-it-yourself approach to managing their retirement savings but they aren't paying much attention to their accounts, according to a study by Fidelity Investments.

A data analysis of 13 million participants in Fidelity Investments 401(k) plans across the country found that about half of them, 54 percent, are what Fidelity calls "unengaged."

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